Bob’s bank charges him a $3.15 service fee every time he uses an out-of-network ATM. If Bob uses an out-of-network ATM an average of three times every two weeks, how much will he pay in service fees over the course of a year?

There are 26 two-week periods in a year. Bob uses an out-of-network ATM 3 times in each period, so he makes 3 × 26 = 78 withdrawals. At $3.15 per withdrawal, he pays 78 × $3.15 = $245.70, which is choice D.

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